The Insurance Supervision Agency of Montenegro delivered a guest lecture at the Public Secondary School of Economics and Hospitality in Bar on “Accidents happen, that is why insurance exists”, as part of its programme to strengthen insurance-related financial literacy among young people. Agency representatives discussed accident insurance for secondary school students, compulsory motor third-party liability insurance, and motor casco insurance, using interactive discussion and practical examples to highlight risk awareness and the role of insurance in managing risks. The session concluded with a Kahoot quiz to test learning outcomes, with prizes awarded to top-performing students, and the agency thanked the school’s management, including director Milisav Joksimovic, for supporting the initiative.